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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Assets    
Unrestricted cash and cash equivalents $ 375,416 $ 339,338
Restricted cash and cash equivalents 124,220 44,315
Loans, interest and fees receivable, at fair value 2,630,274 2,173,759
Loans at amortized cost, net (including $4.9 million and $1.8 million of allowance for credit losses at December 31, 2024 and December 31, 2023, respectively; and $19.8 million and $17.9 million of deferred revenue at December 31, 2024 and December 31, 2023, respectively) 84,332 98,425
Property at cost, net of depreciation 10,519 11,445
Operating lease right-of-use assets 13,878 11,310
Prepaid expenses and other assets 32,068 27,853
Total assets 3,270,707 2,706,445
Liabilities    
Accounts payable and accrued expenses 72,088 61,634
Operating lease liabilities 24,188 20,180
Notes Payable, net held by VIEs 2,199,448 1,861,685
Senior notes, net 281,552 144,453
Income tax liability 114,068 85,826
Total liabilities 2,691,344 2,173,778
Commitments and contingencies (Note 10)
Shareholders' Equity    
Common stock, no par value, 150,000,000 shares authorized: 14,904,192 and 14,603,563 shares issued and outstanding at December 31, 2024 and December 31, 2023, respectively 0 0
Paid-in capital 98,278 87,415
Retained earnings 394,628 307,260
Total shareholders’ equity attributable to Atlanticus Holdings Corporation 492,906 394,675
Noncontrolling interests (3,543) (2,258)
Total equity 489,363 392,417
Total liabilities, shareholders' equity and temporary equity 3,270,707 2,706,445
Series A Preferred Stock [Member]    
Liabilities    
Series A preferred stock, 400,000 shares issued and outstanding (liquidation preference - $40.0 million) at December 31, 2024 and December 31, 2023 (Note 5) (1) [1] 40,000 40,000
Class B preferred units issued to noncontrolling interests (Note 5) [1] 40,000 40,000
Series B Preferred Stock [Member]    
Liabilities    
Series A preferred stock, 400,000 shares issued and outstanding (liquidation preference - $40.0 million) at December 31, 2024 and December 31, 2023 (Note 5) (1) 50,000 100,250
Class B preferred units issued to noncontrolling interests (Note 5) 50,000 100,250
Shareholders' Equity    
Series B preferred stock, no par value, 3,301,179 shares issued and outstanding at December 31, 2024 (liquidation preference - $82.5 million); 3,256,561 shares issued and outstanding at December 31, 2023 (liquidation preference - $81.4 million) (1) [1] $ 0 $ 0
[1] Both the Series A preferred stock and the Series B preferred stock have no par value and are part of the same aggregate 10,000,000 shares authorized.